4 Important Medicare Gaps You Need to Know About
While many people are familiar with the coverage Medicare provides, it’s equally important to understand what it doesn’t cover. Here are four key areas where Medicare falls short:
- Prescription Drugs: Original Medicare doesn’t include prescription drug coverage. However, you can add this coverage through Medicare Part D or choose a Medicare Advantage plan, which bundles both medical and drug coverage.
- Long-Term Care: Medicare covers certain nursing services but doesn’t provide for custodial care, such as assistance with daily activities like bathing and dressing. For this type of care, long-term care insurance is your best option.
- Deductibles and Copays: Even with Medicare Part A and Part B covering some hospital stays and doctor visits, you’ll still be responsible for deductibles and copayments. Medicare Advantage plans, offered by private insurers, can help fill in these gaps.
- Dental Care: Routine dental services, such as checkups, cleanings, fillings, dentures, and extractions, aren’t covered by Medicare. Some Medicare Advantage plans may offer limited dental coverage, such as basic cleanings and X-rays, but often with coverage caps.
If you’re unsure about your Medicare options or need assistance navigating these gaps, a Health Plans of America insurance professional can guide you through the process and help you find the right coverage. Reach out today!